Iyo Coronavirus Chirwere (COVID-19) inoenderera ichipararira pasirese ichikonzeresa -kupararira kushushikana nekukanganisa kumasangano, kusanganisira vanozvipira uye vasingazviparadzanise voga. Imba nekukuvara (P & C) makambani einishuwarenzi anogona kupinza inishuwarenzi kunyora kurasikirwa zvakanyanya nekuda kwekuparara. Nekudaro, izvo zvinogona kurasikirwa hazvisi izvo zvinogumira kune inishuwarenzi yekunyora kurasikirwa. Kuchinja kwemusika weEquity uye kuderedzwa kwemutero nemabhanga epakati kudzikisira kudonha kwehupfumi kubva kucoronavirus kunogona kukanganisa mari yekudyara nekuda kwekuchinja mukuitika uye kusakwanisika kurasikirwa kwemusika.

Sezvo hutachiona huchiramba huchipararira pasirese, kukanganisa kwakanyanya kumakambani einishuwarenzi eP&C kuchange kuri mukukosheswa kwekudyara kwemari uye zviwanikwa zvemuhoro, izvo zvinokanganiswa nekuenzana uye kusagadzikana kwemusika webhondi. Underwriting mibairo inogona kusakanganiswa nezvinhu panguva ino. Nekudaro, zvichemo zvinotanga kuratidzira mune mamwe maindasitiri e niche senge kugamuchira vaenzi, kushanya, zvekufambisa, uye varaidzo sezvo nzendo uye zviitiko zvinokanzurwa kana vanhu vazhinji vatapukirwa.

Isu tinofunga iyo coronavirus kunge yakanyanya chiitiko chehupfumi parizvino, izvo zvisingazokonzeresa kwakakosha kunyora kwekurasikirwa kweP & C indasitiri yakazara. Nekudaro, mimwe mitsara yakadai sekukanzurwa kwezviitiko uye inishuwarenzi yekufamba ichaona kuwedzera kwezvikumbiro.

P&C Coronavirus-Inoenderana Zvikumbiro Zvichachinja Zvinoenderana nerudzi rweChigadzirwa kana Indasitiri Chikamu Chakafukidzwa

Vanenge vese vatengi vekutengesa emakambani einishuwarenzi vari panjodzi yekusangana neimwe nzira yekuvhiringidzika kana kurasikirwa semhedzisiro yecoronavirus kubuda. Zvisinei, hakusi kurasikirwa kwese kwehupfumi kunozokonzeresa kubhadhara zvikwereti sezvo izvi zvichizotenderera kana kurasikirwa kuchinge kwakafukidzwa neinishuwarenzi, mhando yevhavha yakatengwa, uye nemazita emitemo, ayo anogona kuve nematanho anodzora kubhadharwa kwekurasikirwa kwakabatana nedenda.

Mamwe masangano ane huwandu hwepamusoro hwekuratidzwa achienzaniswa nemamwe, ayo anosanganisira makambani muindasitiri yevaraidzo, vagadziri vakuru, uye makambani munzvimbo dzekushanya nekugamuchira vaeni. Izvi zvaionekera mumamiriro ezvinhu echikepe cheDiamond Princess Cruise uko hutachiona hwakapararira nekukurumidza mukati memazuva mashoma (ona Exhibit 1). Aya masangano anogona kunge aine vanhu vazhinji vanoshanda munzvimbo dzakakomberedzwa kana kuunganidza huwandu hukuru hwevatengi vakasunganidzwa munzvimbo imwechete - senge muzvikepe zvevafambi, nzvimbo dzekuzorora, nhandare dzemitambo, uye nzvimbo dzemitambo - uko kusangana kwevanhu kunokwanisa kukonzeresa kukurumidza kupararira kweutachiona.

Mhando dzeP & C Inishuwarenzi Mitemo Inogona Kukonzerwa neCoronavirus

• Chiitiko chekudzima inishuwarenzi: Rudzi urwu rwekufukidza runopa varongi vezviitiko neinishuwarenzi kudzivirirwa pakurasikirwa nemari kana kuwedzerwa mari isingafungidzirwe inokonzerwa nemamiriro ezvinhu asingadzoreki semamiriro ekunze akashata, kukundikana kwesimba, kudzoserwa, kukanzurwa, hugandanga, kuita zvematongerwo enyika, kana kutamisazve chiitiko. Zviitiko zvakawanda zvakamiswa kana kumisikidzwa nemasangano mukuyedza kudzikisira hutachiona, kusanganisira mitambo yakati wandei yeSerie A kuItaly, musangano wevabudisi vepaFacebook, uye mutambo werugby weSix Nations pakati peIreland neItari.

• Inishuwarenzi yekubhadhara vashandi: Kana mushandi akabata hutachiona kubva kune waanoshanda naye ane hutachiona, mushandi anogona kuita chikumbiro chemuripo chemushandi chekutsiva mari kana mabhenefiti ekurapwa. Tinogona kutanga kuona idzi mhando dzezvichemo dzichibuda dzevashandi vemutsetse wegungano, nzvimbo dzekufona, vashandi vepahotera, nezvimwe.

• Inishuwarenzi yekufamba: Ichi chigadzirwa chinopihwa neese maviri P & C (mune mamwe masimba) uye makambani einishuwarenzi ehupenyu. Inishuwarenzi inowanzo bata kukanzurwa kwendege; kukanganiswa kwerwendo; uye chakabiwa, chakarasika, kana chakakuvara mukwende. Inopawo chifukidziro chekunonoka, kubuda kwachiremba, uye emergency. DBRS Morningstar inotarisira kuti huwandu hwakakosha hweinishuwarenzi yekufamba uchaziviswa nekuda kwekukanzurwa kwakanangana nekoronavirus.

• Sainzi cheni inishuwarenzi: Inishuwarenzi iyi inovhara kukanganisa kwebhizinesi kubva kunonoka kana kukanganisa mukugamuchira zvikamu, zvigadzirwa, zvikamu, kana masevhisi kubva kune vatengesi. Makambani anovimba zvakanyanya nevechitatu-bato vanopa zvinhu zvakakosha kana sevhisi vanogona kukwanisa kuita zvirevo kuti vadzorere kurasikirwa nekuda kwekuvhiringidzwa.

• Zvimwe: Mamwe marongero anogona kukonzera kubhadharwa anosanganisira (asi haana kuganhurirwa kune): kukanganiswa kwebhizinesi, kuita kwese kwese, madhairekita & maofficial, uye kufukidza chisungo chekuvhara. Nekudaro, izvi zvinoenderana zvakanyanya nemazita emitemo uye chero zvingasarudzika zvinogona kuiswa mukati memashoko acho.

Mari Yekudyara Inowanzoitika Kuti Inobatwa Munguva Pfupi

P & C makambani einishuwarenzi makambani makuru ekudyara uye musika misika. Iko kwakanyanya kukanganisa kwecoronavirus munguva pfupi inogona kunge iri mukuzivisa kwemari yekudyara semhedzisiro yemusika wekutengesa unokatyamadza pamitengo yemusika yezvinhu zvakaiswa mari. Iko kushandiswa kwekukosha kwekukoshesa accounting zviyero kunoguma mukufambisa kwezvinhu mune zvakawanikwa kana zvisingawanikwe mibairo nekuda kweshanduko mune yakasarudzika-musika kukosha kwemidziyo yakaiswa mari. Kufambira-mwero kuchinjika kwaizovewo nekukanganisa kwehuwandu hweyakagadziriswa mari, sezvo mabhanga akasiyana epakati achideredza mabhenji avo kuyedza kukurudzira zviitiko zvehupfumi. Exhibit 2 inoratidza misika yanga isina kugadzikana kubva muna Ndira 22, 2020, apo World Health Organisation yakataura nezvekuputika kwehutachiona.

Kuomesa kweMitengo Kunogona Kudzikisira Kukanganisa kweMusika Kuzeya pane Kubatsira Kwazvo

P & C makambani einishuwarenzi kutenderera pasirese anga achiwedzera mitengo yawo zvakanyanya kubva 2019, uye maitiro anoita kunge akaenderera kusvika 2020, nekuda kwekudzikiswa kwesimba uye kuwedzera kurasikirwa kwenjodzi kubva muna 2017. Mhedzisiro inokonzeresa pakunyora purofiti inogona kubatsira kudzikisira vamwe yemhedzisiro yemakona emari anofambiswa necoronavirus pamari yekudyara, sezvo makambani anogona kudzora kurasikirwa kwekudyara kana mari yekunetsekera yekudyara nemari yepamusoro yekunyora.

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